If you own term life insurance and outlive your policy term, you get nothing in return when the coverage expires.
However, if you have a return of premium term life insurance policy, and you are alive when your coverage ends, the insurance company returns to you almost all of the premiums you pay throughout the duration of your life insurance policy.
However, premiums are higher for return of premium policies compared to premiums charged for a regular term life insurance plan with no return of premium.
Learn more about getting money back on term life insurance policies.